Kansas Section 538 income limits for FY2026

A Section 538 tenant can earn up to 115% of area median income at move-in. In Kansas that limit for a family of four runs from $76,350 in Graham County, KS to $130,400 in Kansas City, MO-KS. Limits took effect July 13, 2026.

Source: USDA Rural Development, FY2026 MFH income limits, "RD 538 GUAR MOD INC" row, effective July 13, 2026. Persons in the household.
Area	1	2	3	4	5	6	7	8
Cherokee County, KS part of the Joplin, MO-KS metro area	63,800	72,950	82,050	91,200	98,500	105,750	113,100	120,350
Kansas City, MO-KS metro area	91,300	104,300	117,350	130,400	140,850	151,250	161,700	172,150
Lawrence, KS metro area	88,850	101,550	114,250	126,950	137,100	147,250	157,400	167,550
Geary County, KS part of the Manhattan, KS metro area	59,800	68,350	76,900	85,450	92,300	99,100	105,950	112,800
Manhattan, KS metro area	88,850	101,550	114,250	126,950	137,150	147,250	157,450	167,600
St. Joseph, MO-KS metro area	73,850	84,350	94,900	105,450	113,900	122,350	130,750	139,250
Topeka, KS metro area	79,500	90,900	102,250	113,600	122,700	131,800	140,850	149,950
Sumner County, KS part of the Wichita, KS metro area	73,350	83,800	94,300	104,750	113,150	121,500	129,900	138,250
Wichita, KS metro area	77,700	88,800	99,900	111,000	119,900	128,750	137,650	146,500
Allen County, KS	70,500	80,550	90,600	100,700	108,700	116,800	124,850	132,900
Anderson County, KS	73,250	83,700	94,200	104,650	113,000	121,400	129,750	138,150
Atchison County, KS	70,550	80,600	90,700	100,750	108,800	116,850	124,950	133,000
Barber County, KS	68,900	78,750	88,600	98,450	106,350	114,200	122,100	129,950
Barton County, KS	64,950	74,250	83,500	92,800	100,200	107,650	115,050	122,500
Bourbon County, KS	69,650	79,600	89,550	99,500	107,450	115,400	123,400	131,350
Brown County, KS	67,600	77,300	86,950	96,600	104,350	112,050	119,800	127,500
Chase County, KS	67,300	76,900	86,550	96,100	103,800	111,500	119,200	126,900
Chautauqua County, KS	58,000	66,300	74,550	82,850	89,500	96,100	102,750	109,350
Cheyenne County, KS	62,400	71,300	80,250	89,150	96,300	103,400	110,550	117,700
Clark County, KS	73,350	83,850	94,350	104,850	113,300	121,600	130,000	138,400
Clay County, KS	64,650	73,900	83,100	92,350	99,750	107,150	114,500	121,900
Cloud County, KS	63,200	72,250	81,250	90,300	97,500	104,750	111,950	119,200
Coffey County, KS	76,950	87,950	98,950	109,950	118,750	127,550	136,350	145,150
Comanche County, KS	72,300	82,600	92,950	103,250	111,500	119,750	128,050	136,300
Cowley County, KS	65,450	74,800	84,150	93,500	101,000	108,450	115,950	123,400
Crawford County, KS	58,950	67,350	75,800	84,200	90,950	97,650	104,400	111,150
Decatur County, KS	64,450	73,700	82,900	92,100	99,450	106,850	114,200	121,550
Dickinson County, KS	71,700	81,950	92,200	102,450	110,650	118,850	127,050	135,250
Edwards County, KS	68,200	77,900	87,650	97,400	105,200	113,000	120,800	128,550
Elk County, KS	60,850	69,550	78,250	86,950	93,900	100,850	107,800	114,750
Ellis County, KS	76,900	87,900	98,850	109,850	118,650	127,450	136,200	145,000
Ellsworth County, KS	75,650	86,500	97,300	108,100	116,750	125,400	134,050	142,700
Finney County, KS	75,200	85,900	96,650	107,400	116,000	124,600	133,200	141,750
Ford County, KS	70,750	80,900	91,000	101,100	109,200	117,300	125,350	133,450
Franklin County, KS	78,400	89,600	100,800	112,000	120,950	129,900	138,900	147,850
Gove County, KS	73,500	84,000	94,500	105,000	113,400	121,800	130,200	138,600
Graham County, KS	53,450	61,050	68,700	76,350	82,450	88,550	94,700	100,750
Grant County, KS	74,700	85,350	96,050	106,700	115,250	123,750	132,300	140,850
Gray County, KS	81,000	92,550	104,150	115,700	124,950	134,200	143,450	152,700
Greeley County, KS	73,450	83,900	94,400	104,900	113,300	121,700	130,100	138,450
Greenwood County, KS	60,050	68,650	77,200	85,800	92,650	99,550	106,400	113,250
Hamilton County, KS	68,000	77,750	87,500	97,200	105,050	112,800	120,600	128,350
Harper County, KS	63,750	72,900	82,000	91,100	98,400	105,700	112,950	120,250
Haskell County, KS	83,650	95,600	107,550	119,500	129,050	138,600	148,200	157,750
Hodgeman County, KS	74,700	85,350	96,050	106,700	115,250	123,750	132,300	140,850
Jewell County, KS	61,450	70,200	79,000	87,750	94,750	101,800	108,800	115,850
Kearny County, KS	71,400	81,650	91,850	102,050	110,200	118,400	126,550	134,750
Kingman County, KS	66,800	76,350	85,900	95,450	103,100	110,700	118,350	126,000
Kiowa County, KS	72,950	83,350	93,800	104,200	112,550	120,850	129,200	137,550
Labette County, KS	64,150	73,300	82,500	91,650	99,000	106,300	113,650	121,000
Lane County, KS	73,900	84,450	95,000	105,550	114,000	122,450	130,900	139,350
Lincoln County, KS	67,550	77,200	86,850	96,500	104,200	111,950	119,650	127,400
Logan County, KS	78,800	90,100	101,350	112,600	121,600	130,600	139,600	148,650
Lyon County, KS	67,450	77,100	86,700	96,350	104,050	111,750	119,450	127,200
Marion County, KS	69,400	79,300	89,250	99,150	107,100	115,000	122,950	130,900
Marshall County, KS	72,950	83,350	93,800	104,200	112,550	120,850	129,200	137,550
McPherson County, KS	82,900	94,750	106,600	118,450	127,950	137,400	146,900	156,350
Meade County, KS	78,800	90,100	101,350	112,600	121,600	130,600	139,600	148,650
Mitchell County, KS	68,200	77,900	87,650	97,400	105,200	112,950	120,750	128,550
Montgomery County, KS	63,750	72,900	82,000	91,100	98,400	105,700	112,950	120,250
Morris County, KS	67,150	76,700	86,300	95,900	103,550	111,250	118,900	126,600
Morton County, KS	72,500	82,900	93,250	103,600	111,900	120,200	128,450	136,750
Nemaha County, KS	85,800	98,100	110,350	122,600	132,400	142,200	152,000	161,850
Neosho County, KS	71,700	81,950	92,200	102,450	110,650	118,850	127,050	135,250
Ness County, KS	79,950	91,350	102,800	114,200	123,350	132,450	141,600	150,750
Norton County, KS	67,000	76,550	86,150	95,700	103,350	111,000	118,650	126,300
Osborne County, KS	69,900	79,900	89,850	99,850	107,850	115,850	123,850	131,800
Ottawa County, KS	78,000	89,150	100,300	111,450	120,350	129,300	138,200	147,100
Pawnee County, KS	82,200	93,900	105,650	117,400	126,800	136,200	145,600	154,950
Phillips County, KS	67,400	77,000	86,650	96,250	103,950	111,650	119,350	127,050
Pratt County, KS	70,450	80,500	90,600	100,650	108,700	116,750	124,800	132,850
Rawlins County, KS	68,350	78,100	87,900	97,650	105,450	113,250	121,100	128,900
Reno County, KS	68,200	77,900	87,650	97,400	105,200	113,000	120,800	128,550
Republic County, KS	65,500	74,900	84,250	93,600	101,100	108,600	116,050	123,550
Rice County, KS	67,300	76,900	86,550	96,150	103,850	111,550	119,250	126,900
Rooks County, KS	71,250	81,450	91,600	101,800	109,950	118,100	126,250	134,400
Rush County, KS	61,200	69,900	78,650	87,400	94,400	101,400	108,400	115,350
Russell County, KS	63,600	72,700	81,750	90,850	98,100	105,400	112,650	119,900
Saline County, KS	74,000	84,550	95,150	105,700	114,150	122,600	131,050	139,500
Scott County, KS	68,650	78,500	88,300	98,100	105,950	113,800	121,650	129,500
Seward County, KS	66,500	76,000	85,500	95,000	102,600	110,200	117,800	125,400
Sheridan County, KS	89,800	102,600	115,450	128,250	138,500	148,750	159,050	169,300
Sherman County, KS	64,100	73,250	82,400	91,550	98,850	106,200	113,500	120,850
Smith County, KS	76,850	87,850	98,800	109,800	118,600	127,400	136,200	144,950
Stafford County, KS	72,450	82,800	93,150	103,500	111,800	120,050	128,350	136,600
Stanton County, KS	63,750	72,900	82,000	91,100	98,400	105,700	112,950	120,250
Stevens County, KS	64,700	73,950	83,200	92,450	99,850	107,250	114,650	122,050
Thomas County, KS	84,350	96,400	108,450	120,500	130,150	139,800	149,400	159,050
Trego County, KS	80,100	91,550	103,000	114,450	123,600	132,750	141,900	151,050
Wallace County, KS	75,350	86,100	96,900	107,650	116,250	124,850	133,500	142,100
Washington County, KS	70,600	80,700	90,750	100,850	108,900	117,000	125,050	133,100
Wichita County, KS	79,050	90,350	101,650	112,950	122,000	131,000	140,050	149,100
Wilson County, KS	67,050	76,650	86,200	95,800	103,450	111,150	118,800	126,450
Woodson County, KS	64,950	74,250	83,500	92,800	100,200	107,650	115,050	122,500

From income limit to rent cap

Two rent rules apply under 7 CFR 3565.203. Each unit's rent, counting tenant-paid utilities, can't exceed 30% of 115% of area median income adjusted for family size, which is 30% of the figure in the table for the household size you assume, divided by 12. And across the whole project, the average rent can't exceed 30% of 100% of area median income each year.

Worked example for Cherokee County, KS: the four-person limit is $91,200, so the per-unit cap for a unit sized for four people is $2,280 a month including utilities. The project-average cap uses 100% of median instead of 115%, roughly $1,982 a month at the four-person size. Which household size applies to each bedroom count is set in USDA's program handbook; confirm it with your lender.

Income is tested only at move-in. A tenant whose income later rises above the limit can stay (7 CFR 3565.202(a)). Want to see what those rents support in debt? Run them through the 538 loan sizer.

All 94 Kansas areas and every other state in one file: 538 income limits download.

Kansas Section 538 income limits for FY2026

From income limit to rent cap

Get the FY2027 Kansas limits when USDA posts them